Want cheaper Saab 9-3 insurance in Austin? Finding better insurance prices for a Saab 9-3 in Texas could be a painful process, but you can use a few tricks to find lower rates. There is a better way to find auto insurance online and we’ll show you the proper way to get price quotes for a new or used Saab and get the best price possible from Austin insurance agents and online providers.
Consumers should take time to check auto insurance prices yearly because rates are rarely the same from one policy term to another. Just because you found the lowest premium rates on Saab 9-3 insurance in Austin a couple years back other companies may now be cheaper. There are lots of tips to save on 9-3 insurance out there, but in a few minutes you can learn some tested techniques to put money back in your pocket.
The auto insurance companies shown below are ready to provide price comparisons in Austin, TX. If multiple companies are shown, we suggest you visit two to three different companies in order to get a fair rate comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 9-3 2.0T 4-Dr Sedan | $234 | $368 | $424 | $26 | $128 | $1,180 | $98 |
| 9-3 2.0T Station Wagon | $232 | $462 | $340 | $20 | $102 | $1,156 | $96 |
| 9-3 2.0T XWD 4-Dr Sedan | $270 | $472 | $324 | $20 | $96 | $1,182 | $99 |
| 9-3 Aero 4-Dr Sedan | $354 | $788 | $340 | $20 | $102 | $1,604 | $134 |
| 9-3 2.0T 2-Dr Convertible | $234 | $462 | $366 | $22 | $110 | $1,194 | $100 |
| 9-3 2.0T XWD Station Wagon | $334 | $668 | $438 | $26 | $130 | $1,596 | $133 |
| 9-3 Aero Station Wagon | $458 | $988 | $438 | $26 | $130 | $2,040 | $170 |
| 9-3 Aero XWD 4-Dr Sedan | $362 | $774 | $392 | $24 | $118 | $1,670 | $139 |
| 9-3 Aero 2-Dr Convertible | $350 | $784 | $430 | $26 | $128 | $1,718 | $143 |
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Data variables include single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Price information does not factor in Austin location which can alter premiums greatly.
Full coverage versus liability-only in Austin
The illustration below shows the difference between Saab 9-3 annual premium costs with full physical damage coverage compared to only buying the minimum liability limits required in Texas. The rates are based on no claims or violations, $100 deductibles, married female driver, and no discounts are applied to the premium.
When to drop comprehensive and collision coverage
There is no definitive formula for excluding physical damage coverage on your policy, but there is a guideline you can use. If the annual cost of comprehensive and collision coverage is more than 10% of any settlement you would receive from your insurance company, then you might want to consider buying only liability coverage.
For example, let’s say your Saab 9-3 claim settlement value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $2,000 after paying the physical damage deductible. If you are paying over $200 a year for physical damage coverage, then you might want to consider buying only liability coverage.
There are a few situations where eliminating full coverage is not recommended. If you haven’t satisfied your loan, you are required to maintain full coverage in order to prevent your loan from defaulting. Also, if you can’t afford to buy a different vehicle if your current one is totaled, you should keep full coverage.
When should I talk to an agent?
Certain consumers would prefer to go talk to an agent and that can be a smart move Good insurance agents will help you protect your assets and help you file claims. One of the best bonuses of comparing insurance prices online is you may find cheaper auto insurance rates and still choose a local agent.
Once you complete this form (opens in new window), the coverage information is sent to companies in Austin that can provide free Austin car insurance quotes for your coverage. It’s much easier because you don’t need to even leave your home because quoted prices will be sent to your email. In the event you want to compare rates from a specific insurance company, you just need to search and find their rate quote page to submit a rate quote request.
Choosing an insurer requires more thought than just the bottom line cost. Here are some questions you should ask.
- What will you get paid if your car is a total loss? How is that amount determined?
- Do they prorate repair cost based on vehicle mileage?
- What insurance companies do they recommend if they are an independent agent?
- How often do they review policy coverages?
- Are they giving you every discount you deserve?
Multiple types of auto insurance agents in Austin
If you would like to find a reliable insurance agent, it’s important to understand the different types of agents that differ in how they can insure your vehicles. Car insurance agents in Austin can either be exclusive or independent agents depending on their company appointments. Both write policy coverage, but it’s important to point out the subtle differences since it could factor into your selection of an agent.
Exclusive Agencies
These agents can only provide one company’s prices and examples are Allstate, Farmers Insurance or State Farm. They are unable to give you multiple price quotes so they have to upsell other benefits. Exclusive agents receive extensive training on sales techniques which helps overcome the inability to quote other rates. Consumers frequently choose to use a exclusive agent primarily because of the brand and the convenience of having a single billing for all their coverages.
Listed below is a short list of exclusive insurance agencies in Austin that can give you price quote information.
- Bob Jennings – State Farm Insurance Agent
4405 Pack Saddle Pass – Austin, TX 78745 – (512) 444-9671 – View Map - Larry Evins – State Farm Insurance Agent
4534 West Gate Blvd #202 – Austin, TX 78745 – (512) 327-0303 – View Map - David Simmons – State Farm Insurance Agent
1910 W Braker Ln #400 – Austin, TX 78758 – (512) 837-8825 – View Map
Independent Agents (or Brokers)
Independent agents are not restricted to one company and that is an advantage because they can write policies with an assortment of companies and find you cheaper rates. To move your coverage to a new company, they simply move your policy to a different company which is easy for the insured. If you need cheaper car insurance rates, you need to check rates from at a minimum one independent agency to maximize your price options. Most also have access to companies you’ve never heard of who may have lower rates.
The following are Austin independent agencies who can help you get rate quotes.
- Eckert Insurance Group
824 W 10th St – Austin, TX 78701 – (512) 472-6969 – View Map - Southwest Insurance Center
3105 W Slaughter Ln – Austin, TX 78748 – (512) 280-6100 – View Map - EZ Insurance Agency – North
7600 N Lamar Blvd # E – Austin, TX 78752 – (512) 445-2700 – View Map
If you feel you receive reasonable responses and locked in a price quote, chances are good that you have found an insurance agency that meets your needs to service your policy. It’s important to know that you can terminate coverage whenever you want so never feel that you are permanently stuck with the car insurance policy with no way to switch.